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hk-mpf-explainer

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當被問到強積金點計、強積金幾時可以攞、轉強積金計劃、僱主有冇供強積金、自願供款扣稅、eMPF 點用，或想了解香港強制性公積金時使用。產出按本人收入計算的供款方式、僱主供款是否正確的核對、提取途徑及條件、轉移累算權益的選擇、可扣稅自願性供款的規則，以及不推薦具體基金的選擇框架。

skills-i18n/zh-TW/hk-mpf-explainer/SKILL.md

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Nov 10, 2026
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> [hk-mpf-explainer](../../../skills/hk-mpf-explainer/SKILL.md) 的繁體中文翻譯，英文版本為規範版本。

# 香港強積金

大部分在香港工作的人都有強積金，但多數人要到轉工、退休或離開香港時才會看一眼。沒有核對的僱主錯誤、閒置的保留帳戶，以及預設選上的高收費基金，都會令錢白白流失。這個技能用淺白的方式解釋本人的強積金、核對供款，並列出可以怎樣做。

除非本人要求英文或簡體中文，以繁體中文（香港用語）書寫。供款上下限、提取規則和 eMPF 平台由積金局及法例規定；行動前請在積金局網站核實最新數字。本內容為資訊，並非投資建議。

## 所需輸入

如未提供，請詢問：
- **受僱情況**：僱員或自僱、每月有關入息、僱主及入職日期
- **帳戶**：供款帳戶、以往工作留下的個人帳戶、任何可扣稅自願性供款（TVC）帳戶
- **年齡**，以及是否打算提早退休或永久離開香港
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